Capital One Eno

Questions on how we spend our money and our time - consumer goods and services, home and vehicle, leisure and recreational activities
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Barkingsparrow
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Capital One Eno

Post by Barkingsparrow » Wed Jul 11, 2018 6:10 pm

Anyone using this virtual credit card facility? I tried to get it working but it refuses to recognize my mobile number. I suspect that is because the number is actually my work phone, I don't own a personal phone.

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linenfort
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Re: Capital One Eno

Post by linenfort » Tue May 14, 2019 2:58 pm

Old thread, but hey it's only one post.

I love Capital One Eno. It took me a while to get the hang of it, though.

What is it?
If you have a Capital One credit card, this browser extension called Eno will help you create virtual credit card numbers on the fly. Ultimately, your real card will be charged, but without your ever having entered the digits you see on your physical card. I don't remember if you can get it in other browsers (edit: yes, here's the firefox one), but in Chrome, you install this extension and then you see a button near the top right of the browser, forever.

When you're on the page of a merchant or charity site, you click the button and log in. Log in as if you're logging into Cap One's official site to look at statements. You get the option to either create a virtual card on the fly for this vendor or to find one that you already created. A card number that you created to pay Amazon is NOT going to work at the Salvation Army. This is what makes it safe.

What I'm wondering, though, is does it really help protect against fraud? Most of the websites that I dare to use a card with already have good security. And, if someone wants to commit fraud, there are many ways to pilfer your number that don't involve intercepting data from your online purchases.

For me, it's just convenient. I can log in without retrieving a card from my wallet or desk.
Last edited by linenfort on Tue May 14, 2019 3:02 pm, edited 3 times in total.

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Rob5TCP
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Re: Capital One Eno

Post by Rob5TCP » Tue May 14, 2019 3:01 pm

It's been great !! Currently i use it at over 50 sites.
I close that # as soon as I finish the purchase. Then re-open
when I wish to make another purchase. Monthly sites
I leave open. This is far more secure than just using
my one c.c. number at 50 different sites.

Great idea. Should have been implemented years ago.

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Rob5TCP
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Re: Capital One Eno

Post by Rob5TCP » Tue May 14, 2019 3:02 pm

linenfort wrote:
Tue May 14, 2019 2:58 pm
Old thread, but hey it's only one post.

I love Capital One Eno. It took me a while to get the hang of it, though.

What is it?


What I'm wondering, though, is does it really help protect against fraud? Most of the websites that I dare to use a card with already have good security. And, if someone wants to commit fraud, there are many ways to pilfer your number that don't involve intercepting data from your online purchases.

For me, it's just convenient. I can log in without retrieving a card from my wallet or desk.
Yes it really does help. For one thing, you can close that number at any time.
Even if it is left open; that c.c. # can ONLY be used at that one site. It cuts
down quite a bit on its usefulness to scammers.

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linenfort
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Re: Capital One Eno

Post by linenfort » Tue May 14, 2019 3:07 pm

Yes I suppose. Not to sound cynical, but it is also a good way for the bank to collect data on your surfing habits even when you're not using the card.

Still, I've been in the habit of using it for years and I will continue to do so. When I tried to make a library donation recently with the same virtual card I'd used last month to buy tickets for an event at the same library, it didn't work. I thought, "Well, good. This is a feature, not a bug."

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Rob5TCP
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Re: Capital One Eno

Post by Rob5TCP » Tue May 14, 2019 3:13 pm

linenfort wrote:
Tue May 14, 2019 3:07 pm
Yes I suppose. Not to sound cynical, but it is also a good way for the bank to collect data on your surfing habits even when you're not using the card.

Still, I've been in the habit of using it for years and I will continue to do so. When I tried to make a library donation recently with the same virtual card I'd used last month to buy tickets for an event at the same library, it didn't work. I thought, "Well, good. This is a feature, not a bug."
I close it as soon as I make the purchase. It only views my surfing habits during the purchase (which it would anyway).

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linenfort
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Re: Capital One Eno

Post by linenfort » Fri May 17, 2019 8:21 am

Rob5TCP wrote:
Tue May 14, 2019 3:13 pm
It only views my surfing habits during the purchase
That’s good to know.

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jhfenton
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Re: Capital One Eno

Post by jhfenton » Fri May 17, 2019 9:31 am

I use Eno too, but I don't use it everywhere. For Amazon, Apple, etc., I use my preferred credit card directly. But if I'm paying for a subscription, buying lawn mower parts online from a store in Tennessee*, or putting in a credit card number for a free trial**, I will use Eno. I can restrict the purchase to that vendor, restrict the amount, and turn it off after use. If a subscription or trial proves difficult or impossible to cancel, then they're still out of luck getting payment.

* Prior to Eno, I may have had a different, seldom-used credit card number stolen after using it to buy lawn mower parts from a store online. It was a legitimate store, and I received the parts. But the card number was cloned a few weeks later.

** I am usually careful to check on cancellation methods now before taking advantage of a discount or trial subscription, but I like to have backup just in case. I don't want to find out after subscribing to a French newspaper that canceling requires an international phone call during French business hours. For what it's worth, lefigaro.fr has an email address for cancellation requests. I emailed customer service to confirm that a couple of years ago before starting a heavily-discounted, limited-term subscription. I emailed my cancellation request before the normal 9.90 € per month price kicked in.

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Rob5TCP
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Re: Capital One Eno

Post by Rob5TCP » Fri May 17, 2019 10:19 am

jhfenton wrote:
Fri May 17, 2019 9:31 am
I use Eno too, but I don't use it everywhere. For Amazon, Apple, etc., I use my preferred credit card directly. But if I'm paying for a subscription, buying lawn mower parts online from a store in Tennessee*, or putting in a credit card number for a free trial**, I will use Eno. I can restrict the purchase to that vendor, restrict the amount, and turn it off after use. If a subscription or trial proves difficult or impossible to cancel, then they're still out of luck getting payment.
I know about restricting to one vendor and turning off after use; but I don't know how to restrict the amount of each virtual card?

batpot
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Re: Capital One Eno

Post by batpot » Fri May 17, 2019 10:35 am

seems like a whole lot of hassle for something that is already zero liability.

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samsoes
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Re: Capital One Eno

Post by samsoes » Fri May 17, 2019 10:42 am

Rob5TCP wrote:
Fri May 17, 2019 10:19 am
jhfenton wrote:
Fri May 17, 2019 9:31 am
I use Eno too, but I don't use it everywhere. For Amazon, Apple, etc., I use my preferred credit card directly. But if I'm paying for a subscription, buying lawn mower parts online from a store in Tennessee*, or putting in a credit card number for a free trial**, I will use Eno. I can restrict the purchase to that vendor, restrict the amount, and turn it off after use. If a subscription or trial proves difficult or impossible to cancel, then they're still out of luck getting payment.
I know about restricting to one vendor and turning off after use; but I don't know how to restrict the amount of each virtual card?
Not in Eno. Citibank Virtual Account Numbers, however do allow you to limit the dollar amount.
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Horsefly
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Re: Capital One Eno

Post by Horsefly » Fri May 17, 2019 10:57 am

Eno seems to be really well thought out. Although I don't use it really often, I really like the feature that pops up to let me use a virtual number whenever I'm about to buy something on-line.

As others have stated, one of the primary things to use this for is things that you want to have some control over renewal of subscriptions. You start a subscription with an Eno virtual charge number, then immediately turn off that number so it can't be used again. Problem solved.

I got interested in Eno when I had a >$4K fraudulent charge on one of my other cards. The crook had the CC #, the expiration date, CVV, our home address, and even my wife's cell phone number. I was certain that some on-line vendor was the source, but no way to know which one. My thought was to use a separate Eno virtual number for each on-line vendor that we dealt with. That way when such a thing happened again, it should be easy to see which vendor is responsible. The only slight problem is that when you look at your on-line transactions or bill you can't tell which Eno # was used. I'm sure Capital One has access to that data though, so if it does happen we can track it down.

I just wish some of my more favorite rewards cards (Chase Sapphire, Fidelity 2% Visa) had such a feature. As it is I'm forced to make the choice between good rewards or the virtual # feature.

CommitmentDevice
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Re: Capital One Eno

Post by CommitmentDevice » Fri May 17, 2019 11:04 am

batpot wrote:
Fri May 17, 2019 10:35 am
seems like a whole lot of hassle for something that is already zero liability.
+1
Or am I missing something?

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Rob5TCP
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Re: Capital One Eno

Post by Rob5TCP » Fri May 17, 2019 11:07 am

CommitmentDevice wrote:
Fri May 17, 2019 11:04 am
batpot wrote:
Fri May 17, 2019 10:35 am
seems like a whole lot of hassle for something that is already zero liability.
+1
Or am I missing something?
In a 2 year period, my card was compromised 3 times. Since the chip and virtual card #'s;
I've not had one compromised card. I am not worried about the liability; it's the hassle
of replacing a card multiple times. It's just better security.

arf30
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Re: Capital One Eno

Post by arf30 » Fri May 17, 2019 11:17 am

Can you configure the virtual numbers to be single use only? If so, would be useful for sites that require a CC for free trials or purchases from random ecommerce sites.

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jhfenton
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Re: Capital One Eno

Post by jhfenton » Fri May 17, 2019 11:56 am

samsoes wrote:
Fri May 17, 2019 10:42 am
Rob5TCP wrote:
Fri May 17, 2019 10:19 am
jhfenton wrote:
Fri May 17, 2019 9:31 am
I use Eno too, but I don't use it everywhere. For Amazon, Apple, etc., I use my preferred credit card directly. But if I'm paying for a subscription, buying lawn mower parts online from a store in Tennessee*, or putting in a credit card number for a free trial**, I will use Eno. I can restrict the purchase to that vendor, restrict the amount, and turn it off after use. If a subscription or trial proves difficult or impossible to cancel, then they're still out of luck getting payment.
I know about restricting to one vendor and turning off after use; but I don't know how to restrict the amount of each virtual card?
Not in Eno. Citibank Virtual Account Numbers, however do allow you to limit the dollar amount.
You're right. I was thinking of Privacy, which allows you to set the amount. Privacy, though, links the virtual cards to your checking account, so I haven't used it since I discovered Eno.
arf30 wrote:
Fri May 17, 2019 11:17 am
Can you configure the virtual numbers to be single use only? If so, would be useful for sites that require a CC for free trials or purchases from random ecommerce sites.
Not automatically, but you can lock a number immediately after initial use or authorization.

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